Rent vs buy in Marysville, WA
In Marysville, Washington, rent is typically $2,499 /mo and the typical home price is $614,546.
Renting comes out ahead by $16k over 7 years
Using Marysville's typical rent and home value, plus 20% down and today's mortgage rate. The break-even point is year 9.
Our opinion is clearly labeled, and we show the math. These are estimates, not quotes. Change any number and the stamp updates.
- Renting leads by
- $16k after 7 years
- Break-even point
- in year 9 when owning catches up
- What owning really costs
- monthly: $5,186 year 1, against $2,499 rent
Change my numbers
The stamp is built on Marysville's typical rent and home value. Change your rent, price and years, and the result can flip.
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Is renting or buying cheaper in Marysville?
Counting the money you get back when you sell, renting costs $16,119 less over 7 years. For the first 8 years, renting costs less. By year 9, owning catches up.
Rent. Buy. Net cost to date, for each year.
Marysville: average rent compared with mortgage payments
Rent and mortgage payments don't cover everything. Here are all monthly costs for year 1 at Marysville's typical price.
| Each month, year 1 | Amount | What it is |
|---|---|---|
| Rent | $2,499 | All of it, every month |
| Mortgage payment | $3,350 | $2,953 of it is interest in year 1 |
| Property tax | $374 | 0.73% of the value a year |
| Insurance | $92 | Census median for the city |
| Upkeep | $512 | 1% of the value a year |
| Owning, cash out | $4,328 | $397 of it builds equity |
| Lost return on the down payment | $999 | Annual earnings on the cash at 8.3% |
| Buying costs, spread out | $256 | 3.5% of the price over 7 years |
| True cost of owning | $5,186 | Cash out, minus its equity part, plus the two lines above |
Marysville's result explained by the numbers
- Typical home valueZillow ZHVI, September 2026
- $614,546
- Typical rentZillow ZORI, September 2026
- $2,499 /mo
- Down payment20% avoids private mortgage insurance, which the engine does not model
- 20%
- Mortgage rateFreddie Mac Primary Mortgage Market Survey (FRED MORTGAGE30US)
- 7.24%
- Home price growthFHFA house price index, Washington, 1995 to 2025
- 5.3% a year
- Rent growthCPI rent of primary residence, yearly growth 2006 to 2026
- 3.5% a year
- Return on savings60% S&P 500 with dividends and 40% 10-year Treasuries, rebalanced yearly, 1928 to 2025
- 8.3% a year
- Property taxCensus ACS 2020-2024, Marysville
- 0.73% of value
- Home insuranceCensus ACS 2020-2024, Marysville
- $92 /mo
- MaintenanceFannie Mae, low end of 1% to 4%
- 1% of value a year
- Buying costsFreddie Mac, middle of 2% to 5%
- 3.5% of price
- Selling costsAgent commission plus closing costs
- 6% of price
In Marysville, what would flip it?
Each line marks the threshold where Marysville's 7-year verdict changes, while everything else stays as it is.
Renting comes out ahead when
- Home prices rise by less than 5.6% each year (5.3%, Washington's long-run rate, is the figure we use).
- The mortgage rate remains above 6.78%.
- Monthly rent on a home like it comes to under $2,670 (typical here: $2,499).
- Moving before year 9.
Buying comes out ahead when
- Home prices rise at more than 5.6% a year.
- You fix a mortgage rate under 6.78% (today's is 7.24%).
- Monthly rent for that same home would exceed $2,670.
- You remain for 9 years or longer.
Marysville compared with the other 812 cities
| Measure | Marysville | Median city |
|---|---|---|
| Typical home value | $614,546 | $422,451 |
| Typical rent | $2,499 /mo | $1,837 /mo |
| Price-to-rent ratio | 20.5 (#309 of 813) | 18.5 |
| Home prices, last 10 years | 7.5% a year | 6.2% a year |
| Rents, last 5 years | 3.9% a year | 4% a year |
| Property tax | 0.73% | 0.87% |
| Households that rent | 31% | 42% |
Sources: Zillow ZHVI and ZORI, Census ACS 2020-2024.
More cities in Washington
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- Rent. In Bellingham, WA, renting wins by $85k.